A higher retirement income
that lasts longer.

You get big performers
and then you get
big performance

Is your provider giving you theatrics instead of results?

Big decisions.
Big rewards.

10X clients share the moment they
realised they needed to change providers.
Why Living Annuities are good

Allow you to take charge of your retirement savings

The flexibility to set your annual income

Control your investment strategy

Retain your capital for your estate

Why 10X Living Annuities are better

Our fees are always less than 1% exc. VAT

Superior long-term growth

A highly diversified portfolio

A team of retirement experts to help you

The 10X Living Annuity

The best life possible, long after you stop working

A living annuity is an excellent way to reinvest your retirement savings. But to make it last your retirement years, you need to minimise fees, maximise returns, and draw a sustainable income. The 10X Living Annuity works hard to cover all bases for you.

Our total fees are less than half the industry average, which means a higher monthly income for longer. Our High Equity portfolio is geared for the best possible growth to ensure your capital lasts. And our calculator tool helps you find the right income to draw from your savings each month. The 10X Living Annuity is underwritten by Guardrisk Life Limited (FSP No. 76).

Build your personalised retirement plan

Calculate a sustainable income that will last your retirement years.

How old are you?

What are your current retirement savings?

10X Insight

Even as a retiree you are still a long-term investor if investing for longer than 5 years.

Based on an annual drawdown of 5%.
Source: 10X Investments

Low Fees

Our low fees can give you 26 more years of retirement income

In retirement, fees can impact whether your savings last your retirement years or not. The more you pay in fees, the sooner your savings will run out. At 10X, our maximum fee for Living Annuities is 0.86%. The industry average is 3%. Saving 2% might not sound like a big difference, but as you can see in the graph, it can add years of income to your retirement - regardless of which investment portfolio you choose.

Investment Value 10X fee pa (No VAT levied on LAs)
First R5 million 0.86%
Next R5 million 0.57%
Next R10 million 0.40%

We can compare the fees you'd pay or are paying with the industry against what you'd pay with 10X, and project what you'll get out in both cases.

Get a free comparison

*Alexander Forbes Global Manager Watch Best Investment View, December 2020

Our Performance

Download Fact Sheet 457KB
Superior Returns

Getting you more out of every rand

Our approach delivers superior long-term returns at a fraction of the cost. In fact, since its inception in 2008, the 10X High Equity portfolio has consistently outperformed the average return of large fund managers.*

Our Performance

Download Fact Sheet 457KB

Here’s how 10X gets you more money

No matter who you are or how much money you invest with us, we use one, simple investment strategy. No confusing choices, no extra costs. Just four core principles proven to get you more:


Low fees

Fees are the single most reliable predictor of your investment’s performance. Ours are less than half the industry average.

Index tracking

Trying to pick winning stocks usually fails. By tracking an index, we deliver higher returns than most fund managers.

A diversified portfolio

We invest your money locally and internationally, in a high performing mix of shares, property, bonds and cash.

Life stage investing

We automatically adjust your portfolio according to your investing time horizon, maximising growth and minimising risk.

Investment Myth

Bigger institutions perform better.

Bust the myth

Your Living Annuity questions, answered.

What are the living annuity risks and benefits?

Among the living annuity risks and benefits include that in exchange for the flexibility benefit a l...

How much income will my living annuity pay?

You have the flexibility to choose the annual income your living annuity will pay, between 2.5% and...

What happens to my living annuity when I die?

Any residual investment value is distributed among your beneficiary(ies). Other than any retirement...

10X Investments manages over R15bn in assets for industry-leading clients

What our clients say


I retired my old retirement provider- Richard Ball


A modern traditionalist, Lindela Thswete

Watch more client stories